View 2006 Dodge Sprinter Insurance Rates

Searching for better insurance coverage rates for your Dodge Sprinter? Having to pay for overpriced Dodge Sprinter insurance can overdraw your checking account and put the squeeze on your family’s finances. Comparison shopping is free and is an excellent way to cut your insurance bill. Many car insurance companies vie to insure your vehicles, so it can be very hard to choose a company to find the lowest rate

It’s a good habit to compare prices before your policy renews since rates fluctuate regularly. Just because you found the best deal for Sprinter coverage six months ago you can probably find a better price now. Starting right now, block out anything you think you know about insurance coverage because it’s time to teach you the right way to reduce your cost while increasing coverage.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but you may find discounts to help bring down the price. Most are applied when you purchase, but lesser-known reductions have to be inquired about before you will receive the discount. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Sprinter coverage than their less cautious counterparts.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings up to 30%.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.
  • Homeowners Discount – Owning a home can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Sign Early and Save – A few companies offer discounts for switching policies before your current policy expires. It can save you around 10%.
  • Resident Student – Children who attend school more than 100 miles from home and don’t have a car may qualify for this discount.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky. But any discount will reduce your premiums.

To see a list of companies with the best car insurance discounts, click this link.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there really is no “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight whether or not you may require specific advice.

  • How many claims can I have before being cancelled?
  • Should I drop comprehensive coverage on older vehicles?
  • Does coverage extend to my business vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need rental car coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is PIP insurance?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Do drivers who switch really save $419 a year?

Drivers can’t get away from ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all seem to make the same claim of big savings if you change your policy.

How can each company say the same thing? It’s all in the numbers.

All the different companies have a preferred profile for the type of customer that makes them money. An example of a driver they prefer might be profiled as between the ages of 40 and 55, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote who meets those qualifications will get the preferred rates and therefore will save when they switch companies.

Potential customers who don’t meet the requirements will be quoted higher premiums which leads to the customer not buying. The ads state “people who switch” not “everyone that quotes” save money. This is how companies can advertise the way they do.

This emphasizes why it is so important to get quotes from several different companies. It’s impossible to know which company will fit your personal profile best.

Car insurance coverages for a 2006 Dodge Sprinter

Knowing the specifics of insurance helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Collision coverage

Collision insurance covers damage to your Sprinter resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, colliding with a tree, hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, hail damage and vandalism. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses for EMT expenses, chiropractic care, dental work, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2006 Dodge Sprinter.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability insurance

Liability insurance can cover damage that occurs to a person or their property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like pain and suffering, repair bills for other people’s vehicles, medical expenses, attorney fees and legal defense fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Best coverage at the best price

We just covered quite a bit of information on how to compare 2006 Dodge Sprinter insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. Drivers may discover the lowest priced insurance coverage comes from some of the smallest insurance companies. Regional companies often have lower prices on specific markets than their larger competitors like Geico and State Farm.

Budget-conscious insurance is available online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

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